Overdraft Protection

Securityplus offers Premium Overdraft Protection on everyday Visa Debit Card and/or ATM transactions. You must opt-in to receive this coverage; this protection is in addition to the Overdraft Service/Courtesy Pay coverage you may already have as a Securityplus Standard Checking account holder.

If you would like to take advantage of this coverage:

  • Log-in to Online Banking, click on the ''Forms'' tab, and securely complete and submit a form;
  • Call 410-281-6200 or 1-866-4SECPLUS to request a form; or
  • Visit the nearest branch
You may feel it isn't necessary to ''opt-in'' because you've never had an issue with insufficient funds, but keep in mind that if you ''opt-in'' and never use the service, there is no charge to you! Plus, you have the right to revoke or change your election at any time.

**We will charge a $30.00 fee each time we pay an overdraft. There is no limit on the total fees we can charge you for overdrawing your account. We pay overdrafts at our discretion, which means we do not guarantee that we will always authorize or pay any type of transaction. If we do not authorize and pay an overdraft, your transaction will be declined.